AI-driven hyperscale data centers, with insurable values reaching up to $50 billion per facility, have overwhelmed traditional insurers, accelerating the shift toward captive insurance. Global captive insurance premiums have surged to approximately $240 billion across more than 6,000 captives, a nearly 20% increase over just two years. Aon expanded its Data Center Lifecycle Insurance Program from $3.5 billion to $5 billion in capacity, representing a 43% increase. Swiss Re estimates that the construction and operation of AI-driven data centers could generate roughly $91 billion in cumulative insurance premiums by 2030. This massive geographic concentration of risk is driving interest in layered insurance programs, reinsurance arrangements, and catastrophe bonds as tools to spread exposure.
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